Illawarra Credit Union

Explore and compare the credit card offer from Illawarra Credit Union.

Illawarra Credit Union credit card

Illawarra CU Low Rate Mastercard

Illawarra CU Low Rate Mastercard

Balance transfer

N/A

Purchase rate

8.99% p.a. ongoing

Interest-free days

45 days

Annual fee

$50.00 p.a. ongoing

Highlights

  • Benefit from a low annual fee of just $50 p.a., waived in the first year.
  • Enjoy a low purchase rate of 8.99% p.a.
  • Get up to 45 days interest-free on purchases.

Pros

  • Compatible with Apple Pay, Google Pay, and Samsung pay.
  • Annual fee of $50 is waived in the first year.
  • Up to 45 days interest-free on purchases.
  • Credit limits range from $500 to $25,000.

Cons

  • No balance transfer offer at present.
  • There is a 3% overseas transaction fee.

Illawarra Credit Union provides a single credit card option tailored to meet various needs and preferences. While this card does not offer rewards or additional perks, it serves as a low-rate alternative for those seeking a straightforward credit solution. In this page, we will explore the details of the Illawarra Credit Union credit card, including its features, benefits, fees, and application process.

How to Apply for a credit card with Illawarra Credit Union

If you're interested in applying for an Illawarra Credit Union credit card, you can typically apply online through their website.

The application process may require you to provide personal and financial information, so be prepared to have relevant documents on hand

Additionally, there are various criteria to meet in order to be eligible, such as being over the age of 18, having a good credit history, and meeting minimum income requirements.

Once you submit your application, the credit union will review it, and if approved, you will receive your new credit card in the mail.

Help choosing an Illawarra Credit Union credit card

Get personalised guidance to select the ideal Illawarra Credit Union credit card, perfectly suited to your financial goals and lifestyle.

  • FAQs

What types of credit cards does Illawarra Credit Union offer?

Illawarra Credit Union offers a low-rate credit card that provides a competitive interest rate, making it an ideal choice for those looking to minimize borrowing costs. This straightforward option is suitable for everyday purchases and can help users build credit history without the burden of high-interest charges.

How can I apply for an Illawarra Credit Union credit card?

You can apply for an Illawarra Credit Union credit card online through their website. Make sure to have necessary information and documents ready for the application process.

What are some common fees associated with Illawarra Credit Union credit cards?

Common fees associated with Illawarra Credit Union credit cards include annual fees, interest rates, foreign transaction fees, late payment fees, and overlimit fees.

Do Illawarra Credit Union credit cards come with reward programs?

Illawarra Credit Union offers a low-rate credit card that does not include a rewards program.

Are there contactless payment options available with Illawarra Credit Union credit cards?

Yes, Illawarra Credit Union credit cards are equipped with contactless payment technology for quick and convenient transactions.